Url encoding awry

Hello all I have a dynamically created image labeled: stories & critiques.jpg I have use url encode on it when saving it, and it is stored on the server as: stories+%26+crtitiques.jpg I have an html block that calls the image <img src=stories+%26+crtitiques.jpg> I get a 404.... I know the path is right and spelling is correct If I just put the path into the browser directly it also 404's If I rename the file in any way that removes the % it works... I thought % was a legal URL encoding character? JZ